[...] From 1919 to 1963, Belgium did not levy a uniform tax on total income. The income of individuals and corporations was taxed according to a schedular method based on its source.
[...]
Velasco Lawyers presentation about Buying and Selling properties in Spain: procedures, tips, advices and things to take care of.
Presented in July 2007 in Hotel Salobreña in cooperation with Caja Rural
Legal and tax implications when purchasing real estate in Spain, EnglishDe Micco & Friends Group
Here you will get all important information when you sell or buy real estates in Spain and Mallorca,
It is generally recommended that buyers of real estate in Spain instruct a qualified lawyer to represent them and hire a financial advisor knowledgeable in local and international taxes and dues to take care of the tax aspects. Spain does meanwhile provide a relatively high amount of legal protection for real estate purchases, but there are still cases in which the buyer has to battle enormous problems or unexpected expenses after the acquisition because certain processes were not adhered to, documents weren't checked or contracts were drafted which include substantial disadvantages for the buyer. It still happens more often than not that acquired objects or extensions have to be dismantled because renovations or extensions were not properly authorised or the authorisation was not registered with the different agencies involved. Subsequent permits are possible in some cases, but they do require a special process and incur substantial expenses.
[...] From 1919 to 1963, Belgium did not levy a uniform tax on total income. The income of individuals and corporations was taxed according to a schedular method based on its source.
[...]
Velasco Lawyers presentation about Buying and Selling properties in Spain: procedures, tips, advices and things to take care of.
Presented in July 2007 in Hotel Salobreña in cooperation with Caja Rural
Legal and tax implications when purchasing real estate in Spain, EnglishDe Micco & Friends Group
Here you will get all important information when you sell or buy real estates in Spain and Mallorca,
It is generally recommended that buyers of real estate in Spain instruct a qualified lawyer to represent them and hire a financial advisor knowledgeable in local and international taxes and dues to take care of the tax aspects. Spain does meanwhile provide a relatively high amount of legal protection for real estate purchases, but there are still cases in which the buyer has to battle enormous problems or unexpected expenses after the acquisition because certain processes were not adhered to, documents weren't checked or contracts were drafted which include substantial disadvantages for the buyer. It still happens more often than not that acquired objects or extensions have to be dismantled because renovations or extensions were not properly authorised or the authorisation was not registered with the different agencies involved. Subsequent permits are possible in some cases, but they do require a special process and incur substantial expenses.
Factsheet buyer info Andermatt Swiss AlpsToni Enderli
Fulfill your dream of a holiday apartment in Andermatt, the traditional mountain village in the heart of Switzerland. Andermatt is a place where you can breathe in the fresh alpine air and stay relaxed within a most fascinating setting.
Andermatt has become a year-round destination in recent years: apartment buildings, hotels and chalets, the seemingly Scottish 18-hole golf course, which offers golfers a welcome challenge, and the SkiArena, which is not just the most modern ski resort Switzerland but also the largest in Central Switzerland, with slopes from Andermatt to Sedrun and Disentis.
The perfect marketing solutions to:
· Improve brand awareness with prospective clients
· Add value and build further loyalty with existing clients
· Generate increased referral leads and sales opportunities
· Use to add regular changing content to your website
· Attract and retain higher volumes of website traffic
· E-mail to clients, prospects and professional introducers
· Improve your website SEO success from organic searches
· Use the content to set-up an e-news alert service
· Extend your marketing to smartphone and tablet technology
AFFECTED NEIGHBOURHOOD IN EL CUARTON-TARIFA-CADIZ-ANDALUCIA-SPAIN PropietariosCuarton5
AFFECTED NEIGHBOURHOOD IN “EL CUARTON” TARIFA- CADIZ- ANDALUCIA- SPAIN
Spain a state subject to the rule of law? Did you come to Spain believing that it signed the E.U. Treaty?
Factsheet buyer info Andermatt Swiss AlpsToni Enderli
Fulfill your dream of a holiday apartment in Andermatt, the traditional mountain village in the heart of Switzerland. Andermatt is a place where you can breathe in the fresh alpine air and stay relaxed within a most fascinating setting.
Andermatt has become a year-round destination in recent years: apartment buildings, hotels and chalets, the seemingly Scottish 18-hole golf course, which offers golfers a welcome challenge, and the SkiArena, which is not just the most modern ski resort Switzerland but also the largest in Central Switzerland, with slopes from Andermatt to Sedrun and Disentis.
The perfect marketing solutions to:
· Improve brand awareness with prospective clients
· Add value and build further loyalty with existing clients
· Generate increased referral leads and sales opportunities
· Use to add regular changing content to your website
· Attract and retain higher volumes of website traffic
· E-mail to clients, prospects and professional introducers
· Improve your website SEO success from organic searches
· Use the content to set-up an e-news alert service
· Extend your marketing to smartphone and tablet technology
AFFECTED NEIGHBOURHOOD IN EL CUARTON-TARIFA-CADIZ-ANDALUCIA-SPAIN PropietariosCuarton5
AFFECTED NEIGHBOURHOOD IN “EL CUARTON” TARIFA- CADIZ- ANDALUCIA- SPAIN
Spain a state subject to the rule of law? Did you come to Spain believing that it signed the E.U. Treaty?
how to sell pi coins in Hungary (simple guide)DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the what'sapp contact of my personal pi merchant below. 👇
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Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the what'sapp information for my personal pi vendor.
+12349014282
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the what'sapp contact of my personal pi merchant to trade with
+12349014282
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the what'sapp contact of my personal pi merchant to trade with.
+12349014282
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when will pi network coin be available on crypto exchange.DOT TECH
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1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
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Scope Of Macroeconomics introduction and basic theories
Practical guide to settling in the Grand Duchy of Luxembourg
1. practical Guide
wealth to settLing
management
Grand Duchy of
luxembourg
2. Table
of contents
01 the family home
page04 Info – internet sites
buying
Tax credit for main residence
VAT on property
02 Settling in Luxembourg
administrative steps
page08
At the commune
Declaration of arrival
The tax card
Parking permit in residential areas
Registering your dog
Registering your vehicle
What to do
Your driving licence
Registering with the embassy
of your country of origin
03 Social security
page14
health insurance
Compulsory health insurance
Optional supplementary health insurance
pension insurance
Our estate planning department is available to provide you with all the details you
may want. Our experts can analyse your financial situation and let you know what
implications Luxembourg law may have on it, both from a civil (matrimonial regime,
wills) and tax (allocation and structuring of your wealth) point of view. They can also put
you in contact with local professionals (notaries, estate agents, accountants, insurers
...) and guide you through the steps to follow when settling in the Grand Duchy.
3. Practical guide to settling in the Grand Duchy of Luxembourg
Practical guide
to settling in the
Grand Duchy of Luxembourg
Are you intending to move to Luxembourg and settle there ? Here
is some advice to help you.
We have written this brochure in line with the steps to be followed,
beginning with the assumption that you are currently living in a
country near Luxembourg and that you have decided to transfer
03
your residence there.
You will have to find accommodation and probably buy it and then
follow the various administrative steps to settling in Luxembourg
and living there on a daily basis.
There are also many social benefits in daily life, which we also
describe.
4. 01
Practical guide to settling in the Grand Duchy of Luxembourg
the family
home
info – internet sites
If you have decided to move to the Grand Duchy
of Luxembourg and are looking for long-term
accommodation, we recommend that you make an
appointment with an estate agent. The estate agents
can suggest property to rent or to buy. Small ads for
property to rent or buy can be found in Lux-bazar, the
Luxemburger Wort, point 24, Lux-post Weekend and in
l’Essentiel.
04
Some real-estate websites:
ÆÆ www.athome.lu ÆÆ www.immostar.lu
ÆÆ www.habiter.lu ÆÆ www.advanceimmoblier.lu
ÆÆ www.immofinder.lu ÆÆ www.wort.lu
To find out about the tax aspects of acquiring a property you can look
at www.aed.public.lu.
Buying
Real-estate transactions in the Grand Duchy of Luxembourg are subject to
a registration fee of 7% (a proportional fee of 6%, plus a stamp duty of 1%), unless
it is a sale of property to be built, subject to VAT (see below).
Tax credit for main residence
A specific law stipulates that any resident in Luxembourg, when registering a notarial
act for the acquisition of a personal residence, may benefit from a tax credit of a
maximum of € 20.000 (double in the case of joint acquisition by both spouses)
on the registration fees and stamp duty normally due.
5. Practical guide to settling in the Grand Duchy of Luxembourg
This means that in the case of joint acquisition of a property, the registration fee may
be reduced by up to € 40.000. The administration will however in all cases make a
minimum charge of € 100 for registration fees.
People not yet living in Luxembourg, but who intend to settle there, will not receive
the tax reduction stipulated by law immediately. The reduction will only be applied
once the property is actually occupied. To get this refund, the buyer must send a
written request to the competent tax office, together with a residence certificate.
The granting of a tax credit is subject to the following conditions
(it is essential that they are indicated in the notarial act)
ÆÆ You must live in the as illness of the buyer making
acquired property yourself, occupation of the property
within a period of two years impossible, duly certified
(four years in the case of a by a medical certificate, or
building plot or a property the death of the spouse or
under construction) and for a divorce or the dissolving
period of two years (except of a legal partnership
05
in the case of force majeure,
by means of exemption ÆÆ the property may not be
from the head of the land rented out or used for other
registration department, such purposes for two years.
After two years’ occupation, the buyers are free to sell their property,
since the tax credit has become final. To obtain a new reduction, two
conditions in particular must be met: (i) the buyer must still have a tax
credit balance and (ii) this new property must be lived in personally.
If the deadline or period for living in the property is not met, the reduction granted
for the transaction in question will have to be repaid, together with legal interest from
the day on which the reduction was granted.
6. Practical guide to settling in the Grand Duchy of Luxembourg
VAT on property
To stimulate property construction, the Luxembourg state applies an extra-low rate
of 3% to the construction and renovation of a property provided that it will used
as a main residence, either directly by himself, or indirectly by a third party (tenant).
The buyer, who pays a VAT rate of 3 % may either pay 15% VAT and be refunded
12%, or pay immediately the rate of 3 % after the developer responsible for the work
has sent the request to the land registration and estates department for approval.
This procedure for refunding the difference in VAT is however
applicable
ÆÆ for buying construction ÆÆ for invoices of less than
materials € 3.000 excluding tax
(when the owner carries
out the work himself) ÆÆ if the effective allocation
of the property has not
ÆÆ for the sale of new yet been established
06
properties not yet during construction or
allocated and for sales renovation of the property.
contracts for properties
to be built insofar as they
relate to constructions built
when the contract is signed
Any right to a VAT refund lapses after 5 years dating from 31 December of the
calendar year to which the tax to be refunded relates. The request must be for an
amount in excess of € 3.000 before VAT and cover a minimum period of 6 months.
The amount reimbursed may not exceed € 60.000 per property constructed
and/or renovated.
7. Practical guide to settling in the Grand Duchy of Luxembourg
All requests, on the appropriate forms, must be sent to :
ADMINISTRATION DE L’ENREGISTREMENT ET DES DOMAINES
07
Bureau
d’imposition XII Remboursement TVA-Logement
Address 7, rue du Plébiscite, BP 31, L-2010 Luxembourg
Telephone (+352) 4490 5319
If, in the two years following the end of the work, the property is used for other
purposes than a main residence, the tax advantage must be completely repaid with
interest at the legal rate from the date it was granted.
The extra-low rate of 3% applies both to the construction and the renovation of
a property. Renovation of property includes
ÆÆ major improvement works carried out following the acquisition of
a property. This work must be finished within 5 years of the acquisition
of the property which must have been built least 20 years ago.
ÆÆ major improvement works to a property built at least 20 years before
the work begins. This work must be finished two years from its start date.
8. 02
Practical guide to settling in the Grand Duchy of Luxembourg
Administrative steps
to settling in Luxembourg
At the commune
nb: Do not forget to remove yourself from the population register in your country of
origin so as to avoid being registered in two countries. Continuing to be registered
in your country of origin may constitute a presumption of continued domicile in that
country.
Declaration of arrival
Every person who takes up residence in a Luxembourg commune must make a
"declaration of arrival" at the commune within 8 days. At your request the commune
08
can provide you with a certificate of residence (useful for your employer or for
registering your vehicle).
Within 3 months you should make a “statement of registration” on the basis of
which you will receive a “registration certificate”. The same applies to all members
of your family. .
To make this declaration, you must have the following documents,
originals or certified copies:
ÆÆ valid identification card ÆÆ for those not working
(or a passport) or retired (to avoid
becoming a burden to
ÆÆ civil status documents the Luxembourg welfare
(family register, marriage system), proof of adequate
certificate or civil partnership resources, equivalent to
certificate, children’s birth the guaranteed minimum
certificate, decree of income and proof of
divorce if appropriate) existing medical insurance
ÆÆ or employees, a ÆÆ proof that you are no
work contract longer registered in the
commune you have left.
ÆÆ for the self-employed,
residence permit
or equivalent
Each commune may ask for further documents. Usually you can find
details of this on the commune’s website.
9. Practical guide to settling in the Grand Duchy of Luxembourg
To help you search, the Luxembourg state has set up a general website called
"www.guichet.lu" where you can find detailed information and where you can
download the forms you need and even carry out some administrative procedures
online.
If you are moving to Luxembourg-City, you can look at its own website
"www.vdl.lu".
You can also go to the central administration office, the Bierger-Center. No
appointment is necessary.
bierger-center (luxembourg-ville)
Address 26A, boulevard Royal, L-2449 Luxembourg
Telephone (+352) 4796 2200
Fax (+352) 2627 0999
09
email bierger-center@vdl.lu
If the documents are not in French, German or English they will have to be translated
by a sworn translator.
After 5 years uninterrupted residence in Luxembourg, you can obtain a
“permanent residence permit”.
10. Practical guide to settling in the Grand Duchy of Luxembourg
Tax card
As an employee working in the Grand Duchy of Luxembourg or a pensioner taxable
in Luxembourg, you must have a tax card. The information given on this card is
a determining factor for establishing the rate of withholding tax to be applied to
payments made under a contract of employment and pensions paid by a Luxembourg
pension fund and to fix social security contributions.
If you are working in Luxembourg for the first time you must request a tax card in
person from your local commune. Once you have received the card you should give
it to your employer or the Luxembourg pension fund.
Persons not receiving any professional income (salary or pension) in Luxembourg will
have to contact the Tax Office in order to determine their tax situation.
ADMINISTRATION DES CONTRIBUTIONS DIRECTES
BUREAU D’IMPOSITION RTS LUXEMBOURG 2
Address 18, rue du Fort Wedell, L-2982 Luxembourg
10
Telephone (+352) 40 800-1
Fax (+352) 44 800-3300
internet www.impotsdirects.public.lu
Parking permit for residential zones
For the regulated parking zones where you have to pay in the various communes in the
country, the parking permit entitles you to free, unlimited parking in the sector of your local
commune.
Each commune determines, by municipal ordinance, the residential parking zones
and the conditions for granting residential parking permits and how they work.
To get a parking permit you must live in a residential parking sector, be registered
with the commune and be the owner or registered keeper of one or more vehicles.
The residential parking permit is subject to an annual fee which varies from one
commune to another.
11. Practical guide to settling in the Grand Duchy of Luxembourg
Registering your dog
To improve the control and identification of dogs
and oblige their owners to respect certain security
measures, legislation requires the following:
- the electronic identification of the dog by a certified
veterinary surgeon;
- the registration of the dog with the local commune,
indicating its breed and an anti-rabies vaccination
certificate;
- the payment of an annual fee.
Certain communes also require a copy of your civil liability insurance policy.
Registering your vehicle
When settling in Luxembourg, you are obliged to register your vehicle with the
société nationale de contrôle technique (snct) (National roadworthiness test centre)
11
as soon as possible after your arrival and at the latest 6 months after the date of your
declaration of arrival in the commune where you live.
société nationale de contrôle technique - snct
Address 11, rue de Luxembourg, L-5230 Sandweiler
Telephone (+352) 35 72 14 - 1
internet www.snct.lu
The snct has three different sites: Sandweiler, Esch-sur-Alzette, Wilwerwiltz.
Make sure you have the following documents when registering:
ÆÆ residence certificate ÆÆ the original invoice
for the vehicle
ÆÆ Social security number
ÆÆ original car registration
ÆÆ EU certificate of document
conformity (provided by
the vehicle’s manufacturer) ÆÆ a € 50 tax stamp
“droit de chancellerie”
12. Practical guide to settling in the Grand Duchy of Luxembourg
What to do
To import the vehicle and receive a vignette 705, the new
arrival should present himself and his vehicle at a Customs
and Excise office (the vignette 705 is a document issued
by Customs and Excise showing that the vehicle to be
Clear your vehicle registered is compliant with the tax legislation).
through customs
if it is imported The VAT system varies depending on whether the vehicle
is new or used.
The registration number is allocated on the basis of a
request with the requestor’s social security number. Once
this number has been allocated, the production of the
registration plate is authorised. A message confirming
Request the authorisation of the production of this plate with this
registration number is then sent to the approved makers of registration
number plates.
and plate
It is possible to make your request by letter sent to the snct,
from the snct
12
by telephone, fax or even by e-mail. It is also possible to
have a personalised number plate.
Your vehicle must be insured with the insurance company
of your choice provided that it is approved in Luxembourg.
Request
a Green Card
A tax stamp of € 50 must be affixed to the vehicle
transaction request form. The tax stamp can be bought
from the Customs and Excise and the three snct branches.
Buy
the tax
stamp
Once you have done this, the registration request must be
made on a vehicle transaction request form, largely filled
in using the information on the EU certificate of conformity
Request a provided by the vehicle manufacturer. The owner of the
registration vehicle should present his ID card.
card from
the snct
When moving to Luxembourg from abroad, the registration
procedure must be followed by a roadworthiness test of
the vehicle.
Roadworthiness
test
13. Practical guide to settling in the Grand Duchy of Luxembourg
Your driving licence
If you come from a country neighbouring Luxembourg, and you have taken up
residence in the Grand Duchy you must register your driving licence in the Grand
Duchy of Luxembourg. You may exchange it for a Luxembourg driving licence at any
time.
By registering their licences, people living in the Grand Duchy of Luxembourg are
warned when their licences run out. Likewise, they can quickly obtain a copy of the
licence if it is lost, stolen or damaged: in this case the National roadworthiness test
centre (snct) will provide the copy. This can only be done if the existence and data
of the foreign driving licence are known. If these data are not registered, it will have
to wait for proof from the competent foreign licensing authority of the existence and
conditions of validity of the lost or stolen licence. This will slow don the procedure for
the person wishing to get back a document which proves his right to drive as soon
as possible.
The holder of a driving licence from the European Economic Area is should, on arrival,
hand in a copy of both sides of his driving licence to the commune where he lives.
The latter will then forward this to the licensing centre of the snct for registration.
This service will inform the person concerned in writing once the registration has
been made.
13
The holder of a driving licence may also go to the snct personally to register his
driving licence.
registration with the embassy of your country of origin
It is recommended that you register with the embassy of your country of origin
ÆÆ for the delivery or renewal of official documents
(passport, national identity card)
ÆÆ in the case of death, serious accident, notarial act or arrest, the consulate
or embassy can come to your aid and help with administrative formalities
ÆÆ to enrol on an electoral register in your country of origin.
14. 03
Practical guide to settling in the Grand Duchy of Luxembourg
social
security
Health insurance
There are two types of health insurance in Luxembourg: compulsory health insurance
and optional complementary health insurance.
Compulsory health insurance covers most basic medical services.
Optional complementary health insurance allows you to benefit from wider
insurance cover, in particular with regard to hospitalisation costs, outpatient treatment
or dental care.
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How to take out compulsory medical insurance
To benefit from compulsory health insurance cover, you have to be registered with
the caisse nationale de santé (Luxembourg national health fund) (cns, see opposite).
Once registered, you will receive a social security card which will identify you in your
dealings with the social security bodies in Luxembourg and the provision of benefits
(doctors, hospitals, chemists….). The benefits concern mainly medical cover, maternity,
invalidity, accidents at work, occupational disease, family credits, unemployment and
dependency insurance.
Optional complementary health insurance
Compulsory health insurance covers most medical services. However, if you want to
benefit from wider protection (hospitalisation costs, outpatient treatment or dental
care), you can take out an optional complementary health insurance.
The caisse médico-chirugicale mutualiste (medical-surgical mutal fund) (www.
cmcm.lu) offers this type of insurance.
15. Practical guide to settling in the Grand Duchy of Luxembourg
How you become affiliated depends on your status when you arrive:
ÆÆ if you are still working professionally in your country of
origin (which is an EU country), you must request an e106
form from the national health fund of your country of origin.
This form must be sent to the Luxembourg national health
fund so that you will also be covered in the Grand Duchy.
ÆÆ if you have retired from work and are a pensioner in your
country of origin (which is an EU country), you will remain
covered by the social security system in your country of origin.
To be covered in Luxembourg as well you have to request
the e121 form from the pension service in your country of
origin and send it to the Luxembourg national health fund.
ÆÆ If you have never worked, the insurance is optional.
(i) If you are covered by insurance in your country of origin
you must request the e121 form from the health service
in your country of origin and present it to the caisse
nationale de santé to be covered in the Grand Duchy.
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(ii) If you are not affiliated in your country of origin, you can
request affiliation to the caisse nationale de santé yourself.
This voluntary insurance will enable you to benefit from
the same health cover as under the compulsory scheme.
Pension insurance
If you are receiving a legal pension in your country of origin (which is an EU country),
you can ask to have it paid directly into your account in Luxembourg. All you need to
do is ask you pension office in your country of origin.
Voluntary pension insurance
If you have not yet reached pensionable age in your country of residence when you
move and you want to continue to pay contributions in Luxembourg, you can take out
a voluntary assurance pension insurance.
All requests must be made to the Joint Social Security Centre
(www.ccss.lu).
16. AMSTERDAM
08.2012
BRUssELS
GENEVA
LONDON
LUXEMBOURG
MADRID
MONACO
MUNICH
PARIS HEAD OFFICE
Boulevard Royal, 43
L-2955 LUXEMBOURG
T +352 4797 1
www.kbl.lu